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Reward Type

Shopping

Joining Fee

499₹

Annual Fee

499₹

View Details

Features

  • Earn 10X rewards on online spends with exclusive partners - Amazon/ Apollo24X7 / BookMyShow / Cleartrip / Dineout / Lenskart / Netmeds
  • Earn 5X rewards on all other online spends
  • E-voucher worth Rs.2,000 each on annual online spends of Rs.1 Lakh
  • Annual fee reversal on annual spends of Rs.1 lakh
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)

Pricing

  • 1st year fee: Rs.499
  • * Renewal fee: Rs.499 (reversed on annual spends of Rs.1 lakh)

Documents Required

  • 2 passport size color photos
  • ID Proof(any one) - passport, driver’s license, voter’s ID, PAN, aadhaar card
  • Address proof (any one)- passport, driver’s license, voter’s ID, aadhaar card, electricity bill, telephone bill, postpaid mobile phone bill, bank account/post office savings bank account statement
  • Salaried - latest 3 months' salary slip (or) last 3 months' bank statements
  • Self-employed - last year ITR along with bank statement for last 3 months and form 16

Reward Type

Shopping

Joining Fee

499₹

Annual Fee

499₹

View Details

Features

  • Enjoy 10X reward points on dining, grocery & movie spends
  • 2,000 bonus reward points on spends of Rs.2000 in first 60 days
  • 1% fuel surcharge waiver across all petrol pumps
  • Annual fees reversal on spends of Rs. 1,00,000 and above

Pricing

  • 1st year fee: Rs.499
  • Renewal fee: Rs.499 (reversed on annual spends of Rs.1 lakh)

Documents Required

  • 2 passport size color photos
  • ID Proof(any one) - passport, driver’s license, voter’s ID, PAN, aadhaar card
  • Address proof (any one)- passport, driver’s license, voter’s ID, aadhaar card, electricity bill, telephone bill, postpaid mobile phone bill, bank account/post office savings bank account statement
  • Salaried - latest 3 months' salary slip (or) last 3 months' bank statements
  • Self-employed - last year ITR along with bank statement for last 3 months and form 16

Features

  • Discount @ Movies: 10% discount on Movies, 15 times in an year up to Rs. 100 in each transaction on BookMyShow
  • Value Back @ Groceries: 20 Reward Points for every Rs. 100 on groceries up to 1000 points each month.
  • Value back@ Fuel: 10 Reward Points for every Rs. 100 on fuel up to 1000 points each month. Fuel surcharge waiver of up to Rs. 100 per month*
  • The Cardmembers can redeem the reward points at www.rblrewards.com.

Pricing

  • Joining fees – Rs 0/-
  • Annual fees – Rs 0/-

Documents Required

Current address available as proof:
  • Passport or Driving License or Aadhaar or Voter ID
Current address not available as proof:
  • Utility bill with current address
  • Passport or Driving License or Aadhaar or Voter ID
  • OR
  • 3 months bank statement or Govt photo ID or Credit Card statement or Insurance policy or Vehicle registration or Spouce Passport or Marriage certificate, etc
  • Aadhaar copy
Income Documents:
  • 1 Month credit card statement should not be older than 2 months/3 months salary slips

Features

  • Joining Benefits 5000 Reward Points on payment of joining fees
  • Renewal Benefits Renewal fee (2nd year onwards ) waived on spends greater than INR 120,000 in the previous year
  • 5% Cashback on all Grocery spends , Supermarkets and Departmental store spends (Cashback applicable on min.transaction of >= INR 1000 - Max cashback of INR 500 / Month)
  • 3 Reward Points / INR 150 Spend - All Other Spends

Pricing

  • First Yr Fee -INR 999
  • Annual Fee -INR 999 +GST (waived on spends on INR120K in previous year)

Documents Required

  • ID Proof : Pan Card (Mandatory to hold original while doing VKYC)
  • EKYC Requirement - Mobile number should be linked to Aadhar.
  • Current address proof - Voter ID, Driving License & Aadhar card

Features

  • Joining Benefits 100% cashback up to INR 500 on transactions at restaurants within first 90 Days
  • Renewal Benefits Renewal fee (2nd year onwards) waived on spends greater than INR 60,000 in the previous year
  • 5 Reward Points / INR 150 Spend on Hotel , Restaurants & Fuel Spends
  • 1 Reward Point / INR 150 Spend - All Other Spends

Pricing

  • First Yr Fee -INR 250 +GST
  • Annual Fee -INR 250 +GST (waived on spends of INR 60K in previous year)

Documents Required

  • ID Proof : Pan Card (Mandatory to hold original while doing VKYC)
  • EKYC Requirement - Mobile number should be linked to Aadhar.
  • Current address proof - Voter ID, Driving License & Aadhar card

Features

  • 20% off at Myntra - Up to INR 700 Discount / Month
  • 15% cashback on Ola - Up to INR 600 Cashback / Month
  • 10% off on Zomato - Up to INR 750 Discount / Month
  • Weekends with BOGO offer on Inox - Up to INR 400 Discount / Month
  • 10% off on Grofers - Up to INR 1,000 Discount / Month
  • Discount at Yatra on domestic flights , international flights , domestic hotels / Qtr.
  • Monthly Fee reversed on spends of INR 5,000

Pricing

  • MONTHLY USAGE FEE - ) INR 49 +GST

Documents Required

  • ID Proof : Pan Card (Mandatory to hold original while doing VKYC)
  • EKYC Requirement - Mobile number should be linked to Aadhar.
  • Current address proof - Voter ID, Driving License & Aadhar card

Reward Type

Shopping

Joining Fee

1499₹

Annual Fee

1499₹

View Details

Features

  • Welcome Benefit -NOISE Colorfit Pulse Smartwatch worth Rs. 4,999 ( Discount Price of Rs. 2,999 @ Amazon) on paying Joining Fee
  • Activation Benefit -Eligible for Activation Benefit on paying Joining Fee + Doing atleast 1 retail transaction 1 Year Fitpass Pro Membership (Including FitPass + FitFeast + FitCoach Membership) worth Rs. 1500 1 Year Netmeds First Membership worth Rs. 1,500 (Discounted Price Rs. 500)
  • Spends based Cashback Benefit Structure - 2 RP on every 100 Rs Spent except exclusion category spends mentioned otherwise 5X Rewards (10 RP) on Pharmacy & Chemist, Dining and Movie Spends Exclusions: Fuel Spends & Wallet Spends and other standard Reward Exclusions like Merchant EMI, Flexipay, Cash Advances, BT, Encash spends etc.
  • Fuel - 1% Fuel Surcharge waiver upto Rs. 250 / statement cycle on transaction between Rs. 500 to Rs. 4000
  • Insurance Benefits -Complimentary Fraud Insurance cover of Rs. 1,00,000;
    Air Accident Cover: Upto 50 lakhs;
    Loss of Checked in Baggage Cover: Upto USD 1000
    Loss of Travel Documents (Passport): 12,500
    Delay in Flight: 7,500
    Delay in Checked in Baggage: Rs. 7,500
  • Milestone Benefits - Renewal Fee Waiver on completing Rs. 2,00,000 Spends in an annual year; eVoucher of Rs. 1,500 from Netmeds on completing Rs. 4,00,000 spends in an annual year
  • Lounge Benefits -Complimentary Priority Pass Membership worth USD 99 giving access to 1000+ Lounges. Please note, no complimentary visits, and each visit will be charged at USD 27+ _x000B_Access to Domestic Lounges up to a maximum of 2 lounges / quarter

Pricing

  • Annual fee (one time): Rs. 1499
  • Renewal Fee (per annum): Rs. 1499

Documents Required

  • 2 passport size color photos
  • AID Proof(any one) - passport, driver’s license, voter’s ID, PAN, Aadhaar card
  • Address Proof (any one)- Passport, driver’s license, voter’s ID, Aadhaar card, Electricity bill, Telephone bill, Postpaid mobile phone bill, Bank account/Post Office savings bank account statement
  • Salaried - Latest 3 Months salary slip (or) Last 3 months' bank statements
  • Self-employed - Last year ITR along with Bank Statement for last 3 months and Form 16

Reward Type

Shopping

Joining Fee

nil*

Annual Fee

nil*

Reward Type

Shopping

Joining Fee

499₹

Annual Fee

499₹

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About Shopping Credit Card in India

Who doesn’t love shopping? There are those times when you go have to go window shopping just because your wallet doesn’t permit you to do more than that. The answer to your shopping problems —a credit card! Everyone needs help sometimes in the form of credit to buy something that their heart desires. It’s now possible with a little bit of help from your plastic friend. Welcome to the world of credit cards!

Banks and credit card firms have now come up with credit cards that especially cater to those with extravagant shopping needs! Increasing income levels of the average Indian, changing lifestyle habits and needs has spawned the culture of credit cards in India.

Nowadays, you have a wide variety of shopping cards to choose from, given the level of competition between credit card issuers. There are many advantages to owning a credit card today. It helps you with building a positive credit history provided you pay your bills on time, every month. It has the advantage of convenient payment options, and gives you access to a world of discounts and rewards amongst other things.

Why should I opt for a Shopping Credit Card?

Shopping Credit Cards are specialized credit cards that offer numerous features that rewards you every time you shop. It comes with a rewards or cashback program specially designed to reward the user with accelerated points every time he/she uses the credit card for shopping transactions like apparel shopping, grocery and supermarket spends. In effect, you are being rewarded for shopping. The credit card issuer pays you back in the form of points which can be redeemed at multiple outlets.

What are some Shopping Credit Card Features?

Rewards Points

Similar to any other credit card, Credit Cards intended for shopping purposes offer reward points. The reward points program differs according to the bank that issues it. It is based on the amount that you spend using your credit card. For example, with the Citibank Rewards Credit Card, you get 1 reward point on every Rs. 125 spent, and 10 X Reward Points on spends at apparel and department stores. You can redeem these points through their customer loyalty program and across 600 shopping outlets across the country. HDFC MoneyBack credit card gives you cashback advantages across all spending categories, i.e. 100 Reward Points = Rs 40. Power of shopping, unleashed!

The Solitaire Credit card from HDFC is especially designed for women and their shopping needs. Get gift vouchers worth 1000 every 6 months from Shoppers Stop upon crossing a certain spending limit.

Swiping your RBL Bank Platinum Delight Credit Card for your shopping needs earns you 2 Reward Points on every Rs. 100 spent, which you can later redeem for exciting gifts.

The number of reward points per spend varies with each card issuer.

What are Shopping Credit Card Benefits?

A shopping credit card is packed with benefits in the form of shopping discounts, accelerated rewards points on certain spends, cashback features and specialized insurance cover. In order to avail of some of the specific benefits, you need to use the card within first 30 days of credit card activation and spend a pre-fixed amount on your credit card.

How to Choose the Best Shopping Credit Card

When you look for a credit card for shopping needs, you must look at the following criteria:

  • Your Spending pattern: Carefully examine your spending habits and decide what you would like to use your credit card for. If you are an online shopaholic, then choose one which has benefits like an accelerated reward points feature for online spends.
  • Your income: Do you really need a credit card? Can you take care of shopping spends on your monthly income? Carefully consider your monthly net income and decide whether you can afford to have a credit card which could considerably increase your expense and might possibly put you in debt. Choose wisely.
  • Your credit card payment pattern: Easily one of the most important criteria in this list. You should carefully consider your repayment behaviour and make a plan for re payment if needed. It is absolutely vital to pay off your credit card dues on time, every month before the due date, to avoid penalty charges and accumulating interest. Ideally, look for a credit card that offers certain shopping perks but which also offers the best interest rate. Do not go for a credit card that offers numerous rewards for shopping but also has a high interest rate. Whatever rewards you get for spending on your card will be wiped out entirely by the high interest rate you pay on your outstanding.
  • Fees and charges: Before applying for a shopping credit card, make sure about other kinds of fees and charges. Sometimes, a card may offer extremely attractive offers and benefits but the joining fees, annual fees, renewal fees, and other charges might be very high. This may potentially strip you off the rewards that you earn on your spending.

Shopping Credit Card Review

The features and benefits of a Shopping Credit Card are designed to award various perks for the frequent shopper. Those looking to enhance their shopping experience can opt for a Shopping Credit Card.

The offers along with the attractive rebates that a Shopping Credit Card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

How do I apply for a Shopping Credit Card?

To apply for a Shopping Credit Card, you can either walk into your chosen lender’s nearest branch and submit the application along with the required documentation, or you can apply online. You can also call their customer care for help with the application process. Typically, it takes up to 21 days for your credit card application to be processed.

I need some help!

There are a wide range of cards available in the market today and it can be daunting to decide which one is the best for you. If you think you need help with your credit card application and advice on eligibility, CreditMantri can guide you through the entire process and match you with the credit card that suits your needs the best.

Note: The cards mentioned in the article are merely indicative of the kinds of rewards and benefits on offer, and you will need to choose your card based on your specific requirements.

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